Affordable Montana car insurance that puts you first
Root rewards Montana drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Montana auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Montana auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in Big Sky Country
In Montana, “road trip” takes on a different scale. Billings, Bozeman, Missoula, Great Falls, and Helena are separated by enough open road to make the drive part of the destination.
Big distances: I-90 crosses southern Montana through Billings, Bozeman, Butte, and Missoula.
Beyond the interstate: Glacier National Park, Yellowstone, Flathead Lake, and mountain towns bring elevation changes, wildlife and seasonal conditions into the drive.
Before a long trip: The Montana Department of Transportation maintains state highways and provides road and travel information.
From Billings to Missoula and beyond: Explore Montana car insurance from Root.
Montana's minimum auto insurance requirements
To legally operate a vehicle in Montana, you must carry Liability insurance and Uninsured Motorist coverage. If you are found driving without it, you can face fines, suspension of your registration, and possible jail time.
The minimum coverage amounts required for drivers in Montana are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$20,000 per accident
Uninsured motorist coverage (UM)
$25,000 bodily injury per person
$50,000 bodily injury per accident (multiple people injured)
Types of Montana auto insurance we offer
Explore our Montana car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Montana?
The average Montana driver pays $2,476 per year for full coverage car insurance [2].
Root customers looking to purchase Montana car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Montana Auto Insurance FAQs
What is the minimum car insurance required in Montana?
To legally operate a vehicle in Montana, you must carry liability insurance.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance is the only coverage you are legally required to select when purchasing auto insurance in Montana.
Is it legal to drive without insurance in Montana?
No, you cannot legally drive without auto insurance in Montana. State law requires every driver and vehicle owner to maintain continuous liability insurance and uninsured motorist coverage and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Montana?
Yes. Montana requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Montana?
The easiest ways to save on your Montana car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Treasure State.
Is Montana a no-fault car insurance state?
No, Montana is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Montana?
Montana law does not require drivers to carry collision coverage. The state only requires minimum liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Montana?
No, Montana drivers are not required to carry uninsured/underinsured motorist coverage. Like all auto insurance companies, Root offers optional UMPD and UM / UIM coverage in Montana to help pay for injuries or vehicle damage when the at-fault driver has no insurance or insufficient coverage. Insurers in Montana must offer this coverage, so if you don’t want it, you’ll need to reject it in writing. We make it easy to choose your coverage in our app.
Does Root offer full coverage car insurance in Montana?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Montana?
High-risk Montana drivers may be ordered by a court or the Montana MVD to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
How does Montana verify car insurance?
Montana uses the Montana Insurance Verification System (MTIVS) to check vehicle registrations against up-to-the-minute data from insurance companies. Law enforcement can use it during a traffic stop to confirm your coverage, even if you can't find your insurance card. It's still smart to keep proof handy, and with Root, you can find your insurance card right in our app.
What happens if I'm partly at fault for an accident in Montana?
Montana uses a modified comparative negligence rule with a 51% bar. You can recover damages as long as you're not more at fault than the other party, though your compensation is reduced by your share of fault. If you're found 51% or more at fault, you can't recover damages.
Helpful resources for Montana drivers
Montana Motor Vehicle Division
The Montana MVD issues driver's licenses and ID cards and handles vehicle titles and registrations.
Montana Commissioner of Securities and Insurance
The Commissioner of Securities and Insurance regulates insurance in Montana and helps consumers with insurance questions and complaints.
Montana Department of Transportation
MDT plans, builds, and maintains the state's highways and shares road conditions.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Insure.com. Annual average rates were compiled in 2026.